Stop being a Wimp!... DMP Journey

Ellieseleven

Amazing how many interviews and job offers I have received when I thought that we were done for and that we would now lose our home - antway start at my new job on Monday:T

Cannot tell you how relieved I am but we have had to borrow this months income from my parents until the receivers go into my old company and I claim back some of what is owed through a government scheme.:o

Queenie2012

Hi,

Just came across your diary, well done on knocking your Debt Free date down that's brilliant.

Good luck for your first day in your new job on Monday

Chrisblue1962

Ellieseleven wrote: »

Amazing how many interviews and job offers I have received when I thought that we were done for and that we would now lose our home - antway start at my new job on Monday:T

Cannot tell you how relieved I am but we have had to borrow this months income from my parents until the receivers go into my old company and I claim back some of what is owed through a government scheme.:o

Well Done on the new job ellieseleven, hope you are happy in your new post and that your new colleagues are nice too

Ellieseleven

Thanks Queenie and ChrisBlue for your kind words.

My new job is fab and pays more than the last one, so a good thing out of a bad!.... Payday was a long time coming:eek:

One more payment towards my debt free goal today, I'm starting to see the amount go down now. Once I'd reached the 40k mark it did seem to come down quicker - probably physchological but whatever makes it eventually disappear will do for me:o

Ellie xx

Ellieseleven

Another payment down, approaching the 10k mark that we have paid off! It's taken 2 years so far and we have just less than 5 years to go at the current monthly payment but we are hoping to reduce that figure as we go (fingers crossed):)

What a difference 2 years and a DMP have made to our lives! I sleep well at night, I budget and save for the things that we want and I am certainly no worse off without credit cards. The only issue that I find is working away as I used to fund this through CC's and then claim it back. I've managed so far with a cash float but if I had to go to the States or something like that then I'm not sure how I would get around that?

The rain is making a mockery of the Summer and it is really depressing but apart from that I am optimistic about the future.:rotfl:

Chrisblue1962

Hi ellieseleven

I too am optimistic - OH started new job this week, she was only out of work for about a month but in that time managed to apply for about 40 jobs. My DMP is sort of in a "holding pattern" but will start to increase payments back up again in August / September, depending on what OH's take-home salary is and how that fits into our budgets

Glad your DMP is going in the right direction too.

Keep Going as that debt free day will be here sooner than you think!

Ellieseleven

Thanks for the words of encouragement Chris Blue... hope that your wife has settled into her job.

Another payment down, we can really see a dent in the debt mountain now! We are just short of the 10k mark paid off, so that's a quarter of the way.

We continue to have our ups and downs but on the whole we are managing to get by. I'm hoping that we can throw a bit more at our monthly payment soon but the washout Summer has had a massive impact on my husbands finances as he is a gardener so we have been reliant on my salary for the last few months. Currently we don't really have a viable business but we keep on trying:o

Ellieseleven

Another payment closer to our DFD... onwards and upwards:)

Chrisblue1962

Ellieseleven wrote: »

Another payment closer to our DFD... onwards and upwards:)

Keep going Ellieseleven! It's nice quite nice to know that each month you make a payment is another small but vital step towards "financial freedom". I now try not to think of the enormity of the task ahead but keep remembering the following little saying, which I got from a fellow DFW'er

"When try to eat an elephant, take one bite at a time!"

My "escape plan" has had an important boost this week...it's on the diary btw.

Ellieseleven

Bit of a mixed month so far:o On the plus side, another payment off what we owe and on the down side - my car went for a service today and needed new brake pads/drums as well, total £550:eek:but managed to pay cash for service plus front brakes and will have the back done when I get paid at the end of October. I have around 1500 miles left on the back so fingers crossed that I can "save" £250 over the next few weeks:)

I must say though that in the past I would have put all of this on my credit card and it does feel good to pay cash - OH is in deep depression but I tend to try and look on the bright side and mycar is coming up to 6 years old so it will start to need some work doing on it.

Ah well.... onwards & upwards.... save, save, save!!!!!